Home Equity Line of Credit (HELOC) loans are subject to Article XVI, Section 50 of the Texas Constitution. Title 7, Section 153.15 of the Texas Administrative Code, clarifies that the closing must occur at the permanent physical address of a lender, an attorney, or a title company. This includes an indoor office or a parking lot.

Starting on January 1, 2022, wrap mortgage loans may only be closed by an attorney or a title company. A wrap mortgage loan is a residential mortgage loan that is (a) made to finance the purchase of residential real estate that will continue to be subject to an unreleased lien that attached to the residential real estate before the loan was made and secures a debt incurred by a person other than the wrap borrower that was not paid off at the time the loan was made, and (b) obligating the wrap borrower to the wrap lender for payment of a debt the principal amount of which includes the outstanding balance of the debt and any remaining amount of the purchase price financed by the wrap lender.